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Midwest Recovery Systems LLC


2745 W Clay St Ste J
Saint Charles, MO 63301-2540

Contact Them:

Phone: 314-720-2929
Fax: (314) 720-2928

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Fact: Pursuant to the Fair Debt Collection Practices Act, a collection agency must send a 30-day validation notice within five days of your initial communication.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. David Sparks on April 8, 2015 at 1:28 pm

      I was contacted by Midwest Recovery Systems regarding internet payday loans they said I have taken out in 2012. I asked them to send me proof of the loans that I had supposedly taken out. Midwest Recovery stated they didn’t need to prove anything.

    2. Alexis R. on November 3, 2015 at 9:13 pm

      If 8552026121 or 8444584811 calls you, that is Midwest Recovery Systems LLC. Midwest Recovery Systems LLC never leaves a message, just calls.

    3. daniel c nordin on April 6, 2016 at 11:23 pm

      Midwest recovery systems , llc reported and removed this collection from transunion , but not from any other and from their actions i am being charged on 1 of my credit cards $75 year

    4. Mickoel Russell on November 6, 2016 at 7:43 pm

      Midwest recovery company added a collection account to my credit report without notifying me that I owed anybody. when I research the original debt collector the company does payday loan they are not authorized to do business in United States. Midwest lowered my credit score 30 points! How can they accept a debt from a company that is not a license payday company or a company at all the debt is not VALID. I never opened a payday loan there’s no information available on the original debt collector. I have nothing in collections except this fake account. I filed complaints with Financial protection bureau run by the United States government

    5. Wyomie Milliken on November 7, 2016 at 2:13 pm

      There is a $790.00 charge off on my credit report. I had received calls about 6 months ago regarding a payday loan that I never asked for and never received. I reviewed by bank statements for the time they it was said that I took out this payday loan and there was never any monies deposited in my account. This was a scammer trying to get money from me. I’m going to contact a lawyer because this charge off is affecting my credit. I want this taken off of my credit report immedicately.

    6. Jo-Ann Rogan on November 22, 2016 at 7:42 am

      Midwest Recovery put a collection file on my credit report for a loan that I never took out! Not sure what to do.

    7. Ms. Harris on November 27, 2016 at 1:16 pm

      This company came up on from me checking on updated credit line.
      They list themselves as MIDWST RCVRY of me owning them close to $1,300.00 dollars. They are making my credit report look bad and that’s not good at all.

    8. MARVIN TILLMAN on May 19, 2017 at 11:46 am

      Midwest has been calling me with threatening messages stating that I can be arrested if I didn’t pay a bill for $785 that i have no clue of ever having. I have told them to do so and leave me alone. But they keep calling me

    9. marcus salisbury on July 31, 2017 at 3:08 pm

      I have been contacted by Midwest Recovery Systens for almost 2 months. I have tried find out what they are collecting for and the one person that I talked to said “I would find out soon enough” and hung up. The other time they called my work and demanded to speak to me. I was in a meeting and they told my coworker that they would be sending uniformed officers to serve me and read me my rights. It traumatized my coworker enough to tell me about it when I got out of the meeting. I called the number which was from a 770 area code. The lady answered she said that you better resolve this today or I will have the police there. I told her go ahead and do it. She said something to me and I told her where to get off at. She said we will see you in court and hung up. I have been getting calls from that area code, 313-456-9568, 313-749-9548. and other numbers. I’m tied of the calls and the people that refuse to identify who they are or the alleged debt…

    10. Jenna on June 20, 2018 at 5:47 pm

      Midwest is a fraudulent collector! They have some closed down fake so called creditor called 123 money help on my Experian only for $1,700 since Nov. 2016 I have written them certified verification letters and heard nothing! I believe that these were the crooks threatening my life to my ex husband last year, but never would give their name. Crooks! These people need to be locked up

    11. Mary Homrighaus on July 25, 2018 at 9:11 pm

      I have no idea why they started calling me today. It’s 8pm now and was called several times. Answered and had this woman ask me by my first name & then started reading me my birthdate, address, SS # and so on. I told her to please not tell personal info over phone & reminded her of HIPPA and that I could’ve been a total stranger. I asked again, who was she calling for and she said she can’t tell me till I heard her repeat my personal info back at me & agreeing that it’s me.
      We went round & round in circles till she hung up. I have never gotten any prior letters or notices from them until these calls this evening. What are my rights?

    12. Randy on January 29, 2019 at 8:04 pm

      Midwest started calling me over a cancel membership with a well known theme park and threatening to report it on my credit if I didn’t pay. The reason for my cancellation with this park is a 100.00 month credit card charge to a park that a fourth of the rides were closed and was told it was a mechanical and staffing issue. Why pay for a product your not receiving!!! I did request if I could get back to this park ( 6 FLAGS ) as we had a agreement with a earlier call and she kept threatening me with my credit if I didn’t settle. This company also called me 7 times the following day requesting a settlement. ? Did they have a right to threaten my credit?

    13. Viviana on May 1, 2019 at 4:41 pm

      Midwest Recovery put a collection file on my credit report for a loan that I never took out.. How do I solve this issue? It’s affecting my credit.

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